Dual Currency ATM Cards

Standard Chartered's Dual Currency ATM Card combines RMB and HKD accounts in one card, offering the ultimate convenience and flexibility. Cash withdrawal and purchases in Mainland China are settled from the RMB account, while withdrawals and purchases anywhere else are settled from the HKD account.

Customer benefits

Purchases and cash withdrawals in Mainland China are posted to the cardholder's RMB account in RMB, saving any extra expense on RMB FX and reducing the risk of carrying extra cash when travelling to China. This card is not only accepted in China but also at many ATMs and merchants worldwide.

Locally you can perform free transactions at JETCO ATMs and make purchase payments through the UnionPay and EPS networks.

To learn more about the benefits of the Standard Chartered UnionPay ATM Card, please click here.

Transaction summary at a glance

Respective bank account to be debited when the transaction is performed in different locations
Transactions Hong Kong Mainland China Overseas
ATM Withdrawal
ATM withdrawal via UnionPay HKD account RMB account HKD account
ATM withdrawal via JETCO HKD account HKD account HKD account
ATM withdrawal (HKD) via Standard Chartered ATM HKD account    
ATM withdrawal (RMB) via Standard Chartered ATM HKD or RMB
account at the
choice of cardholders
RMB account  
Purchase on UnionPay network HKD account RMB account HKD account
ATM withdrawal (HKD) via Standard Chartered ATM HKD account HKD account  

Getting started

To apply for a Dual Currency ATM Card, please visit your nearest Standard Chartered branch or call us at 2886 8868 (press 2>5>0) for more information.


  1. Default daily withdrawal limit per customer

    ATM transactions

    Transfers to account linked to the card

    • Unlimited

    Cash withdrawals /transfers to accounts not linked to the card / Jet Payment

    • Priority Banking or Premium Customers: HKD 30,000 (or equivalent)
    • Easy Banking or non Relationship Banking Customers: HKD 20,000 (or equivalent)

    Electronic payments

    • HKD50,000*
    * This limit applies to transactions completed through EPS, UnionPay or Maestro Point–Of–Sale terminals. In the event that the ATM card is used to perform any PPS transactions and tax/eIPO payments via an ATM, this limit will be automatically increased to HKD 100,000
  2. The minimum cash withdrawal amount is HKD 100 when using Standard Chartered ATMs, and HKD 500 for other JETCO ATMs
  3. When you shop with your UnionPay ATM card, both PIN and signature are required

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